Flexible Plan Investments, Ltd.

What Flexible Plan Investments, Ltd. does

Flexible Plan Investments, Ltd. (FPI) is a privately held, SEC-registered investment advisory firm founded in 1981 by Jerry Wagner and headquartered in Bloomfield Hills, Michigan. The firm designs and distributes dynamically risk-managed investment strategies to U.S. financial advisers, with a stated operating history of more than 40 years and an employee base of 101-250. Its methodology rests on rules-based, tested computer models that produce consistent, objective buy and sell decisions across sectors, asset classes, and geographies, and is packaged through a multi-strategy diversification framework in which portfolios combine strategies intended to exploit specific observable opportunities while avoiding specific measurable risks.

The product set spans sub-advised mutual funds (the Quantified Funds family with tickers including QSTFX, QGLDX, QSPMX, and 11+ others distributed via Advisors Preferred/Ceros), a Turnkey Asset Management Program (TAMP), ETF strategist and variable annuity overlay services, FPI FundLink (a dynamic-risk overlay on American Funds portfolios), workplace retirement and group retirement/SDBA offerings, donor-advised funds, and principled/faith-based strategies. In November 2025 FPI launched FlexDirex, a first-to-market suite of single-stock ETF strategies built on Direxion leveraged and inverse ETFs, expanding into a new tactical sub-asset category. Distribution is multi-channel: 10+ model manager and strategist platforms (Orion, Envestnet, SMArtX, Amplify, Adhesion, Axiom, FMAX, MMX, MyAdvice Architect), 3 third-party custodians (AXOS, Schwab, Nationwide), 8+ insurance-based platforms (Ameritas, Equitable, Jackson, Pacific Life, TIAA, Transamerica, etc.), and retirement platforms including Fidelity and Strategic Advantage, supported by a four-region U.S. sales team.

FPI monetizes primarily through investment advisory management fees of 1.0% to 2.25% annually (capped at 1.75% for group retirement plans), deducted in arrears with proration, plus an establishment fee of up to 1.2% on certain programs. Revenue is not publicly disclosed. The firm has accumulated multiple industry recognitions, including Morningstar Top Performing Tactical-Allocation Fund awards (2020, 2023, 2024 for QSTFX; 2021 for QSPMX), Refinitiv Lipper Fund Awards (2022), SMArtX Strategist of the Year (2022), ThinkAdvisor Luminaries Executive Leadership (2021), and repeated Inc. 5000 and Top Workplaces listings.

Name

Flexible Plan Investments, Ltd.

Legal name

Flexible Plan Investments, Ltd.

Website

https://flexibleplan.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

51–100 employees

Short description

Flexible Plan Investments is a privately held, SEC-registered investment advisor founded in 1981 that designs rules-based, dynamically risk-managed multi-strategy portfolios for U.S. financial advisers. It distributes Quantified Funds, a TAMP, ETF overlays, retirement products, and the FlexDirex single-stock ETF strategies through 10+ platforms.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Open-End Investment Funds (525910)

SIC

Investment Advice (6282)

akta.pro primary industry

Target-Risk / Risk-Managed Allocation Funds (FSAAAEAG)

akta.pro secondary industries

Managed Account Platforms (Separately Managed Accounts / Customized Portfolios) (FSAHAKAC), Multi-Strategy — Single-Manager, Multi-PM (FSAHAFAB), Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)

Keywords

• Dynamic risk management
• Investment advisory services
• ETF portfolio strategies
• Turnkey asset management
• Tactical asset allocation

Headquarters

HQ city

Bloomfield Hills

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Investment Advisory Management Fees: FPI charges investment advisory fees for managing client portfolios. Maximum management fee is 2.25% annually (1.75% for group retirement plans). Actual fees range between 1.0% and 2.25% annually. Fees are deducted in arrears at the rate of 2.25% annually with pro-ration of partial periods.
2. Establishment Fee: Maximum establishment fee of 1.2% may apply for certain programs/product families unless the selected date range includes the inception date.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Flexible Plan Investments delivers dynamically risk-managed investment strategies to financial advisers, combining rules-based computer models with multi-strategy portfolio construction across equities, fixed income, ETFs, gold, and alternatives. Its core offerings are built around the FlexDirex first-to-market single-stock ETF strategy SMAs, the Turnkey Asset Management Program (TAMP), Model Manager Platform portfolios, the Quantified Funds mutual fund family, and overlay solutions for ETF portfolios, variable annuities, American Funds, and retirement plans. FPI operates as an SEC-registered investment advisor and sub-adviser to the Quantified Funds distributed by Ceros Financial Services.

Product overview

Flexible Plan Investments (FPI) offers a comprehensive suite of risk-managed investment solutions designed for financial advisers and their clients. The core offering centers on FlexDirex (first-to-market single-stock ETF strategies utilizing Direxion leveraged/inverse ETFs), the Turnkey asset management program (TAMP), and Model Manager Platforms that distribute FPI strategies through major wealth management platforms including Orion, Envestnet, Adhesion Wealth, Amplify, Axiom, FMAX, MMX, MyAdvice Architect, and SMArtX. Additional products include workplace retirement/SDBA options, variable annuity overlays, FPI FundLink for American Funds, donor advised funds, and principled investing strategies. FPI manages the Quantified Funds family (including QSTFX, QEVOX, QMLFX, QGLDX, and others) utilizing dynamic risk management principles through rules-based computer models that provide automated, disciplined buy/sell decisions. The company has been operating for over 40 years and is registered with the SEC.

Differentiator

Problem solved

Functional benefit

Brands

• FlexDirex: First-to-market suite of single-stock ETF strategies in the U.S., utilizing Direxion leveraged and inverse ETFs to help financial advisers manage risk in high-volatility markets.
• Quantified Funds
• QFC (Quantified Fee Credit)
• FPI FundLink

Products and services

• FlexDirex Single-Stock ETF Strategies First-to-market single-stock ETF strategy SMAs built on Direxion leveraged and inverse ETFs, designed to help financial advisers manage risk and capture returns in volatile markets using targeted ETF portfolios.
• Model Manager Platforms Professionally managed multi-strategy portfolios (tactical, strategic, dynamic, and faith-focused) available across multiple third-party wealth management platforms for advisers with different risk tolerances and investment objectives.
• Turnkey Asset Management Program (TAMP) Turnkey asset management program that lets advisers manage multiple FPI strategies in one streamlined SMA, with back-office support, business management tools, and client services.
• Group Retirement Plans Risk-managed investment options for pension and profit-sharing plans offered to plan-provider clients within their workplace retirement plan lineups.
• FPI FundLink (American Funds Overlay) Dynamic risk management overlay added to existing client portfolios of American Funds to address risks and opportunities present in every market environment.
• Donor-Advised Funds Program Tax-advantaged, risk-managed charitable giving program that lets clients support their favored causes for years to come.
• Principled Investing Values-based investment solutions, including faith-based and socially responsible options, designed to meet client demands without sacrificing superior risk-adjusted returns.
• Quantified Funds Family Family of mutual funds sub-advised by FPI through Advisors Preferred LLC (a Ceros Financial Services subsidiary), covering tactical allocation, sector, gold, alternatives, and income strategies. Specific funds include Quantified STF Fund (QSTFX), Quantified Gold Futures Tracking Fund (QGLDX), Quantified Market Leaders Fund, Quantified Alternative Investment Fund, Quantified Pattern Recognition (QSPMX), Quantified Evolution Plus (QEVOX), Quantified Common Ground (QCGDX), Quantified Sector Specialist (QTSSX), Quantified Rising Dividend (QRDTX), and related funds.
• ETF Strategist ETF strategist service that adds FPI's dynamic risk management on top of clients' existing ETF portfolios.
• Variable Annuity Management Risk-managed overlay applied to clients' existing variable annuity (VA) and variable universal life (VUL) investments to help preserve and grow wealth.

Quantifiable outcome

• 17 bear markets occurred between 1929 and 2022 with average loss of 34.8% (29.7% excluding 1929 crash), demonstrating need for risk management
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• DirexioncoreTechnology or Integration · 4 November 2025FlexDirex single-stock ETF strategies utilize Direxion leveraged and inverse ETFs. This partnership enables first-to-market single-stock ETF strategies designed to help financial advisers manage risk and capture returns in volatile markets.
• OrioncoreChannel Partner/ Reseller/ DistributorModel manager platform providing access to FPI's professionally managed strategies including tactical, strategic, dynamic, and faith-focused portfolios.
• EnvestnetcoreChannel Partner/ Reseller/ DistributorModel manager platform providing access to FPI strategies such as QFC Tactical Bond.
• SMArtX Advisory SolutionscoreChannel Partner/ Reseller/ DistributorStrategist platform offering multiple FPI strategies including FlexDirex Focused Core ETF, FlexDirex Tech Plus ETF, QFC Dynamic Trends, and various faith-focused and multi-strategy portfolios.
• AmplifyminorChannel Partner/ Reseller/ DistributorPlatform offering FPI strategies including QFC Common Ground BRI SRI, QFC Faith Focused Investing, QFC For a Better World, QFC Market Leaders, QFC Multi-Strategy Core, and QFC Multi-Strategy Portfolios.
• Adhesion WealthminorChannel Partner/ Reseller/ DistributorPlatform offering FlexUMA investment solutions from FPI.
• Axiom Integrated Advisor SolutionsminorChannel Partner/ Reseller/ DistributorPlatform offering Low Volatility Rising Dividends ETF and Market Leaders Sector Growth ETF strategies from FPI.
• FMAXminorChannel Partner/ Reseller/ DistributorPlatform offering FPI strategies including Market Leaders Sector Growth Ultra ETF, QFC Political Seasonality Index, and QFC S&P Pattern Recognition.
• MMXminorChannel Partner/ Reseller/ DistributorPlatform offering multiple FPI strategies including QFC Classic, QFC Common Ground BRI SRI, QFC Faith Focused Investing, QFC Low Volatility Rising Dividends, QFC Market Leaders, QFC TVA Gold, Strategic High Yield Bond, and Volatility Adjusted NASDAQ.
• MyAdvice ArchitectminorChannel Partner/ Reseller/ DistributorPlatform offering FPI strategies including All-Terrain Conservative, All-Terrain Growth, All-Terrain Moderate, QFC All-Terrain, QFC Common Ground BRI SRI, QFC Managed Income, QFC Market Leaders Growth, QFC Multi-Strategy Explore: Alternatives.
• Advisors Preferred LLCcoreStrategic or Co-development PartnerFPI serves as investment sub-adviser to Quantified Gold Futures Tracking Fund and Quantified funds, distributed by Ceros Financial Services. Advisors Preferred is the Funds' investment adviser and a wholly-owned subsidiary of Ceros Financial Services.
• Ceros Financial ServicescoreStrategic or Co-development PartnerDistribution partner for Quantified funds. Parent company of Advisors Preferred LLC, the Funds' investment adviser for which FPI serves as investment sub-adviser.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Manning & Napier: Manning & Napier is a tactical, multi-strategy asset manager serving financial advisers, institutions, and individual investors with risk-managed strategies. Highly comparable investment philosophy and adviser-focused distribution model.
• AssetMark: AssetMark operates a leading TAMP platform serving thousands of financial advisers with model portfolios, managed strategies, and practice management tools. Directly comparable as a sub-advisor and turnkey provider competing for the same adviser relationships.
• SEI Investments: SEI is one of the largest independent TAMPs and asset managers, providing turnkey asset management programs, sub-advisory relationships, and investment solutions to advisers and institutions. Highly comparable business model to FPI's TAMP and multi-strategy SMA offerings, though at significantly greater scale.
• WisdomTree Investments: WisdomTree offers ETF-based model portfolios and tactical strategies that compete directly with FPI's ETF Strategist and QFC multi-strategy offerings. Both companies leverage ETF wrappers for risk-managed multi-asset portfolios distributed through adviser platforms.

Broad incumbents

• Hartford Funds: Hartford Funds is a multi-strategy mutual fund provider that distributes through advisers and retirement platforms with risk-managed and outcome-oriented strategies. Comparable as a sub-advised mutual fund family distributing through the same intermediary channels as Quantified Funds.
• Brighthouse Financial: Brighthouse provides variable annuity and insurance-based investment products, many of which compete with FPI's variable annuity overlay offerings. Brighthouse is much larger and operates through insurance distribution channels similar to those FPI uses (Ameritas, Equitable, Jackson, etc.).
• Cetera Financial Group: Cetera is a large independent broker-dealer and wealth management firm that aggregates advisers and offers model portfolios from third-party strategists. Comparable as a distribution channel and competitor for adviser mindshare in the U.S. wealth management space.
• Allianz Investment Management: Allianz Investment Management provides sub-advisory and managed account strategies distributed through insurance and retirement platforms. Comparable as a sub-advisory firm operating on similar insurance-based distribution rails to FPI.
• Transamerica Investment Management: Transamerica offers sub-advisory and managed account strategies distributed through retirement and insurance platforms, including through Transamerica's own adviser channel. Overlaps with FPI in the retirement and insurance distribution ecosystem.

Emerging players

• Mariner Wealth Advisors: Mariner is a fast-growing RIA providing wealth advisory, investment management, and sub-advisory services. Comparable as a multi-service wealth manager with risk-managed portfolio solutions competing for the same adviser and institutional relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/FlexiblePlanInv
• LinkedInlinkedin.com/company/1174344
• Facebookfacebook.com/FlexiblePlanInvestments
• Xx.com/flexibleplan

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Flexible Plan Investments, Ltd.